NMLS 2003490
Terry is a North Seattle-based mortgage expert who’s passionate about helping families—especially first-time homebuyers and VA buyers—achieve their dream of homeownership. Serving clients from Snohomish to Tacoma, Terry offers low down payment options, fast closings, and access to down payment assistance programs.
With a deep commitment to client care, Terry provides a personalized experience with a dedicated concierge and partners closely with real estate agents, builders, credit counselors, and more to offer seamless, strategic support.
Terry was wonderful to work with; fast and polite response times, made sure we understood each step and what to expect, showed us all of our options for mortgages that helped us make the best decision for ourselves. Had great communication with our realtor which made the process go smoothly. Thank you for helping us buy our first home!
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Whether you’re a first-time homebuyer, looking to trade up, or seeking to refinance, We are here to make your homeownership dreams a reality.
Contact FIRST NAME today to get started on your journey to a new home.
I'm licensed in:
WA
I specialize in:
First Time & Move Up Buyers
Old School Contact Info
NMLS 2003490
Our philosophy is simple: Every client deserves a mortgage experience that is smooth, transparent, and tailored to their needs. We take pride in building strong, lasting relationships and is always ready to go the extra mile to ensure our clients’ satisfaction. Whether you’re a first-time homebuyer, looking to move up, or seeking to refinance, we are here to guide you every step of the way. Our story is one of passion, dedication, and a true commitment to making your homeownership dreams a reality. Contact us today to start your journey towards a new home.
With over 30 unique investors and hundreds of loan options available, we can take you from dream to funded!
Think you’ve already used your VA loan benefit? You’re not alone, and you’re probably wrong. Most veterans don’t realize the VA loan can be used more than once. In fact, only about 13% of eligible VA buyers ever use their benefit again, according to the Department of Veterans Affairs. We
What if having more money came from paying attention—not pushing harder? Many homeowners improve cash flow without earning more or tracking every dollar. The shift happens when they identify money already moving through their accounts and redirect it with intention. States return over $3 billion in unclaimed funds every year,
Condos can be a smart first step into homeownership, or a confusing one if you don’t know what you’re signing up for. Before you commit to shared walls and HOA rules, here’s what you need to understand. According to the National Association of Realtors, about 22% of first-time buyers purchase
An FHA loan can open the door to homeownership for buyers who thought it was out of reach. But before you jump in, here’s what you really need to know about the benefits, and the fine print. According to HUD, FHA loans accounted for over 14% of all new home
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If you plan to take out a mortgage loan to pay for your home, then you will be making a monthly house payment for the duration of the loan term unless you choose to sell. Understanding this number is a key aspect of figuring out how much house you can afford. There are many factors that will have an effect on the total monthly payment amount that you will be required to pay to own the home.
If you are unable to cover a 20% down payment on a conventional loan, then you will have to pay private mortgage insurance premiums in your monthly payment. Mortgage insurance protects lenders when they take on riskier borrowers. Since you were unable to cover a large enough down payment, the lender charges this extra fee for mortgage insurance as a safety net in case you default. This is not the same thing as homeowner’s insurance, but it is an additional cost in your monthly mortgage payment that needs to be accounted for. You can also expect to pay a monthly mortgage insurance premium or a similar monthly fee on USDA, FHA and VA loans.
Interest rates help determine the total cost of your mortgage loan. Some factors that affect the interest rate you will receive include your credit report, the current real estate market, and the type of loan. As mentioned before, how much of the monthly cost goes toward interest versus the principal can change. If you are borrowing money when the market favors buyers, you can lock in a lower interest rate with a fixed interest rate loan. If you choose an adjustable rate mortgage, your monthly interest rate may fluctuate based on the market, resulting in changing monthly mortgage payments. You could even opt for an interest-only loan where you only pay interest for a few years at the beginning, resulting in a smaller monthly mortgage payment.
There are other factors at play that can have an effect, such as the number of payments, closing costs (attorney fees, real estate agent fees, fees for private lenders, etc), loan type, and debt-to-income ratios.
